TERMS & LIABILITY

Beta draft — have a licensed attorney review before App Store submission.

Platform role

VAULT operates only as a neutral technology marketplace and escrow agent. VAULT does not create, commission, direct, supervise, endorse or verify any challenge, submission or off-platform activity. Every challenge is an agreement between the sponsor and the participating creators.

Sponsor responsibility

Sponsors are solely and fully responsible for the tasks they set, including legality in every jurisdiction where participants may act, safety, licensing, advertising disclosures, prize terms, and any tax obligations arising from the prize they fund.

Creator responsibility

Creators are solely and fully responsible for how they produce their submissions, including their own safety, third-party property and privacy, consent of anyone appearing in the media, compliance with all laws, and taxes on any winnings received.

Assumption of risk & release

By using VAULT you accept all risk of participating in or acting on any challenge, and you release VAULT, its owners, officers and staff from any claim for injury, loss, damage, penalty or dispute arising from a challenge, a submission, a payout, or conduct that takes place off the platform.

Prohibited challenges

No challenge may involve illegal acts, trespass, harassment, weapons, drugs, dangerous stunts, hate content, sexual content, exploitation of minors, animal harm, or anything that endangers a person or property. Violating challenges are removed and funds returned, minus processing costs.

Entry limits

A creator may enter the same active challenge up to three (3) times before it expires. A fourth attempt is blocked, and the creator is notified that they have already submitted 3 entries for that challenge and should participate in a different challenge.

Escrow, commission & payouts

Sponsor funds are held in escrow until a winner is selected. A non-refundable 12% platform fee is collected at funding, and VAULT retains a 10–15% commission on each funded pool. Sponsors have 5 minutes from submitting a funded challenge to edit or cancel it; the prize amount returns to their wallet on cancellation, but the 12% fee is never refunded. After 5 minutes the challenge can no longer be edited, though a sponsor may still cancel before a winner is paid, again without a fee refund. On sponsor-pick challenges the sponsor has 48 hours after expiry to select a winner; otherwise VAULT awards the prize to the entry with the most upvotes. Payouts are issued to the winner's verified bank account after selection and any required identity or tax checks, and are final.

Content, moderation & reporting

Users may hide their earnings and posts, block other users, and report content. VAULT may remove content, cancel challenges, withhold payouts or suspend accounts where fraud, vote manipulation, policy violations or legal risk are suspected.

Disputes

Disputes about a challenge outcome are resolved between sponsor and creator. Where escrow release is contested, VAULT may hold funds until the parties resolve the matter or a lawful order directs release.

Acceptance of these terms is required at signup and each time a challenge is funded or entered.